I live in France. Four years ago I had a major operation requiring three nights stay in a hospital. I could choose the hospital and doctor that I wanted. I checked out the American Hospital and a public hospital recommended by my French doctor. The American Hospital would have been covered by the supplemental insurance I receive from my employer and the public hospital completely covered by the French insurance. The public hospital looked so much more clean and modern -- I took that option and had great care. The only thing I paid for was wifi access in my room. Everything else was covered directly with no cash out required for me. After 26 years in France, I am a firm supporter of universal healthcare.